Senior Data Scientist

Job Description – Senior Analyst, Growth Data Science

Experience: 5–8 years

About CreditSea

CreditSea is an RBI-registered, digital-first NBFC operating at scale. As we scale our lending business, we are strengthening our analytics and data science capabilities to drive efficient customer acquisition, improve funnel conversion and enable better business and product decisions.

The Role

We are looking for a Senior Analyst to own growth, product and marketing analytics, with a strong focus on predictive modelling and data science.

The role will span the entire customer journey – from marketing acquisition and product engagement to application, onboarding and disbursal. You will use data, statistical techniques and machine learning to understand customer behaviour, predict outcomes, identify opportunities and drive measurable business improvements.

Works closely with: Marketing, Product, Engineering and Finance teams.

Key Responsibilities

1. Growth, Marketing & Product Analytics

• Analyse acquisition performance across paid, organic and partnership channels, tracking CAC, ROI, attribution and customer quality.
• Own end-to-end funnel analytics across application, KYC, bank verification, credit assessment, mandate registration and disbursal.
• Identify customer drop-offs, conversion bottlenecks and opportunities to improve acquisition efficiency and product experience.
• Analyse customer cohorts, behaviour and lifetime value across channels and product journeys.

2. Data Science & Predictive Modelling

• Build predictive models for customer conversion, drop-off propensity, application completion, KYC completion and disbursal likelihood.
• Develop customer segmentation, behavioural and LTV models to identify high-potential customer segments.
• Apply statistical and machine learning techniques to identify key drivers of customer behaviour and business performance.
• Translate model outputs into actionable interventions across Marketing and Product, and monitor their effectiveness.

3. Experimentation & Measurement

• Design and evaluate A/B tests and controlled experiments across marketing campaigns and product interventions.
• Apply statistical techniques, hypothesis testing and causal inference to measure business impact.
• Evaluate the effectiveness of customer nudges, onboarding changes and acquisition initiatives.

4. Business Analytics

• Evaluate the relationship between acquisition costs, customer quality, credit outcomes and business profitability.
• Work with Credit/Risk teams to understand the impact of underwriting policies and credit decisions on funnel conversion.
• Translate analytical findings into clear recommendations for business and product teams.

What We're Looking For

• 5–8 years of experience in analytics, data science, growth analytics or product analytics.
• Strong hands-on SQL and Python skills.
• Practical experience building predictive or statistical models using machine learning techniques.
• Experience with propensity modelling, customer segmentation, conversion prediction or LTV modelling.
• Strong understanding of statistical analysis, experimentation, A/B testing and hypothesis testing.
• Experience with customer funnels, cohort analysis and marketing performance measurement.
• Ability to independently solve business problems using data and translate analytical insights into actionable recommendations.

Good to Have

• Experience in fintech, digital lending, NBFCs or financial services.
• Understanding of lending journeys, credit underwriting and customer acquisition economics.
• Experience with causal inference, uplift modelling and incrementality testing.
• Familiarity with AppsFlyer, Adjust, Mixpanel, CleverTap and BI tools such as Metabase or Redash.

Why Join CreditSea

• Business Impact: Directly influence acquisition efficiency, customer conversion and business growth.
• Ownership: Work closely with business and product leadership on high-impact problems.
• Build and Own: Build predictive models and analytical frameworks that drive real business decisions.
• Opportunity to Grow: Help build CreditSea's analytics and data science capabilities as the business scales.